Welcome back to The Hill I’ll Die On, our Friday mini-series where members of the Property Couch crew share bold property and money opinions they’re willing to stand behind.

This week, tax expert Julia Hartman joins Ben Kingsley to tackle a controversial topic:

Blaming landlords for the housing crisis.

Julia argues that increasing taxes, regulations, and costs for investors may actually reduce rental supply — which can drive rents even higher.

In this episode, she unpacks the unintended consequences of policy decisions, the role of market forces, and why some widely accepted solutions may not be solving the problem.

It’s a thought-provoking conversation that challenges the current narrative around housing in Australia.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ TIMESTAMPS

00:39 – Meet Julia Hartman: Tax Expert
00:54 – The Hill: Stop Blaming Landlords
01:14 – Why Punishing Investors Reduces Supply
02:22 – Rising Costs for Property Investors
03:03 – Are Investors Really “Greedy Hoarders”?
04:02 – What Happens When Rental Supply Drops
05:22 – The Unexpected Idea to Increase Housing Supply
06:12 – Why Tax Settings Discourage Solutions
07:11 – Government Policy vs Market Forces
08:17 – Free Market vs Intervention Debate
10:41 – Final Thoughts: What Needs to Change

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

🏡 What happens when you’re pre-approved… but still not ready to buy?

In Episode 591, Ben is joined by Kirsty, and Couch Crew member, Kirsty “KD” Dunphey, who shares her incredibly honest first-home buyer journey.

Her story is one many buyers will recognise:

• Four years pre-approved before purchasing
• Endless inspections and auction losses
• Information overload from friends and advisors
• Navigating buyer’s agents, brokers and market noise

Along the way, the conversation unpacks some powerful lessons about risk aversion, decision-making, and why buying property is as much psychological as it is financial.

Plus, Kirsty shares the one thing she’d do differently if she could start again. If you’re a first-home buyer stuck in analysis paralysis, this episode is for you.

FREE STUFF MENTIONED

• 📊 Moorr Platform (Free Money Management Tool)
  Take control of your money, track your spending and uncover your surplus: all in one place.
  👉 Join the Moorr Surplus Challenge
  📱 Download Moorr (iOS & Android)

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

“Would I be crazy to buy a freestanding home in a street full of units and townhouses?”

In this throwback episode, Bryce & Ben answer this question from a first home buyer and explore why the answer isn't a simple yes or no.

For the original episode, tune in here: Episode 305 | Chalk & Cheese: The Difference Between The Art & Science of Investing.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube